Private & Hard Money Lenders in Bay County, FL
23 lenders funded 69 short-term investment-property loans in Bay County in 2024 at a median rate of 11.00%. Ranked by verified loan volume — not paid placement.
Bay County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 12 | 11.00% | 3 |
| 2 | Community Bank of Mississippi | 9 | 8.45% | 6 |
| 3 | Easy Street Capital LLC | 9 | 10.90% | — |
| 4 | Loan Funder LLC | 6 | 11.99% | 1 |
| 5 | PEOPLESSOUTH BANK | 4 | 9.00% | 11 |
| 6 | LIMA ONE CAPITAL, LLC | 4 | 12.30% | — |
| 7 | Temple View Capital Funding LP | 4 | 11.50% | — |
| 8 | RENASANT BANK | 2 | — | 5 |
| 9 | Cadence Bank | 2 | — | 4 |
| 10 | River Bank & Trust | 2 | — | 4 |
| 11 | SERVISFIRST BANK | 2 | — | — |
| 12 | VAL-CHRIS INVESTMENTS INC. | 2 | — | — |
| 13 | LendingOne LLC | 1 | — | 5 |
| 14 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 5 |
| 15 | First Commerce Credit Union | 1 | — | 3 |
| 16 | BANKPLUS | 1 | — | 2 |
| 17 | Carrollton Bank | 1 | — | — |
| 18 | Colony Bank | 1 | — | — |
| 19 | Conventus Lending LLC | 1 | — | — |
| 20 | Dominion Financial Services, LLC | 1 | — | — |
| 21 | Genesis Capital, LLC | 1 | — | — |
| 22 | RPE Home, Inc | 1 | — | — |
| 23 | SmartBank | 1 | — | — |
DSCR / long-term rental lenders in Bay County
These lenders reported only longer-term (>36 month) business-purpose rental loans here in 2024— a different product from hard money, listed separately so the two aren't conflated.
Frequently asked questions
23 lenders reported short-term, business-purpose investment loans in Bay County in 2024 verified lending records — 69 loans totaling $29.0M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Bay County's active lenders was 11.00% in 2024, with per-lender medians ranging from 8.45% to 12.30%. Hard money runs well above conventional mortgage rates because loans are short, asset-based, and close fast.
Verified public lending records for 2024. We count originated, business-purpose loans on investment properties with terms of 36 months or less — the bridge and fix-and-flip products hard money lenders make. Rankings reflect verified loan counts, never paid placement.